9899 190th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 9899 190th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	2,064 sqft · built 2005
Lot Size	12.4 acres (543,629 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Nov 2020)
Tax Bill	$6,174 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-005-0405`

Property Details

APN / Parcel Number

Primary APN	`02-005-0405`

Interior

Building Area	2,064 sqft Living Area
Basement Area	1,200 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	543,629 sqft (12.4 acres)
Garage Type	Mixed
Garage Area	1,974 sqft
Parking Spaces	7 Parking Spaces
Porch	Slab

Location & Zoning

Street Address	9899 190TH ST
City	MILACA
State	MN
Zip	56353-3174
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF N 549 FT OF FR W 1/2 OF NW LYING W OF E 330 FT, SEE 4/11/02 SKETCH 5 38 26 12.48
Legal Range	26
Legal Township	38
Legal Section	05
Jurisdiction	MILLE LACS MN
Township / Civil Division	BORGHOLM
Census Block Group	1
Census Block	1028
Census Tract	170400

Owner

Source: Mille Lacs County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9899 190TH ST, MILACA, MN 56353-3174
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Nov 20, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 17, 2017	Warranty Deed, Transfer · FHA Mortgage LOAN SIMPLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Prior Sale	Mar 29, 2012 · Amount on Record
Deed Document Number	2020420793
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Recording Date	Jun 16, 2026
Property Address	9899 190TH ST, MILACA, MN 56353-3174
Document Number	0000451642
Instrument Date	Jun 9, 2026
Instrument	2026451642
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9899 190TH ST, MILACA, MN 56353-3174

Mortgage

Document Number	0000451642,
Date	Jun 16, 2026
Instrument	2026451642

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	9899 190TH ST, MILACA, MN 56353-3174
Transaction Type	Mortgage
Record Updated	Mar 9, 2022
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A429957
Date	Feb 22, 2022
Instrument	A429957

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Nov 20, 2020
Property Address	9899 190TH ST, MILACA, MN 56353-3174
Document Number	A420793
Instrument Date	Nov 13, 2020
Instrument	A420793
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	EXECUTIVE TITLE NORTHWEST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9899 190TH ST, MILACA, MN 56353-3174

Mortgage

Document Number	A420794
Date	Nov 20, 2020
Instrument	A420794

Lender

Name	GUARANTEED RATE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jul 17, 2017
Property Address	9899 190TH ST, MILACA, MN 56353-3174
Document Number	A401561
Instrument Date	Jun 13, 2017
Instrument	A401561
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	HOME SECURITY ABSTRACT TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9899 190TH ST, MILACA, MN 56353-3174

Mortgage

Document Number	A401562
Date	Jul 17, 2017
Instrument	A401562

Lender

Name	LOAN SIMPLE INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80112

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 5, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Mille Lacs County
County Subdivision	Borgholm Township
Unified School District	Milaca Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,174.00 (-4.13%)
2025		$487,600 (-7.72%) Land $102,500 Building $385,100	$487,600 (-7.72%) Land $102,500 Building $385,100
2023	$6,440.00	$528,400 Land $66,000 Building $462,400	$528,400 Land $66,000 Building $462,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 4, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 76% of Minnesota
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Benton Cooperative Telephone Company Fiber	250 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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